Where 'crypto-friendly' has to mean more than tolerated
Small businesses touching digital assets learn to keep quiet about it with their bank. That is a reasonable survival instinct given how often crypto-related activity draws extra scrutiny from banking partners — policies vary between institutions and change over time, and a frozen operating account is an existential event for a small business.
The alternative is not secrecy, it is separation. Keep the dollar operating account where it is and run digital assets through an account built for them: 38+ assets, a free non-custodial wallet, supplier payouts in USDT and USDC, in-person cash at our Atlanta and Miami branches, and same-day settlement back to dollars by ACH, Fedwire or RTP.
What a small business actually needs from a crypto account
Small businesses get the worst of the current arrangement. The spend-management platforms are built around venture-backed headcount and card policy, which is not the problem a twelve-person contractor, agency, or storefront has. Meanwhile the crypto side gets improvised: an owner's personal exchange account, a wallet app on somebody's phone, and a shoebox of screenshots at tax time.
The needs are unglamorous and specific. Buy and sell without a minimum that assumes a Series B. Get dollars back into the business account the same day, not in three. Have somebody answer the phone. Keep the account in the company's name so the bookkeeper and the CPA can actually work from it.
No minimums, no waitlist, and a branch you can walk into
Most business accounts are approved the same day the application and KYB documents are complete. There is no waitlist and no requirement to be venture-backed — an LLC with clean formation documents is the ordinary case, not the exception.
Funding is deliberately broad because small businesses do not all bank the same way: business wire, business debit and credit cards, ACH, Apple Pay, Google Pay, Cash App, cash by mail, and in-person cash at our Atlanta and Miami branches. When crypto needs to become dollars again, settlement runs same-day by ACH, Fedwire or RTP, with cashier's checks and in-branch cash as alternatives.
Mercury banks startups. Crypto is the part it leaves out.
Mercury is business banking built for startups, and the reason founders like it is real: account opening is straightforward, the interface is well designed, wires and ACH work without a branch visit, and treasury is not buried under commercial-banking sludge. If your company's money is in dollars, it is a good home for it.
Cryptocurrency is a different matter. Mercury does not offer digital-asset trading, custody, a wallet, or on-chain payments, and crypto-related business activity has historically been an area where banking partners apply additional scrutiny. Companies that touch digital assets often find themselves holding a bank account for dollars and improvising everything else.
This page is not an argument that Mercury is a bad bank. It is an argument that a crypto-active company needs a second, purpose-built account for the digital-asset side — one where crypto is the product rather than a risk category.
An account where crypto is the point, not the exception
At Anytime Capital, digital assets are the core product. Business accounts trade 38+ assets with desk-quoted execution for size, include a free non-custodial wallet so the company holds its own keys, and settle back to dollars the same day by ACH, Fedwire, or RTP. Accounts are titled to the entity — the diligence folder stays clean for the next round.
Getting money in is deliberately unfussy. Fund by business wire, business debit or credit card, ACH, Apple Pay, Google Pay, Cash App, cash by mail, or in person at our Atlanta and Miami branches. Most business accounts are approved the same day KYB documents are complete, with no waitlist.
The workflow difference: paying people on-chain
A startup paying a distributed team through international wires spends days waiting and pays fees on both ends. Stablecoin payouts land in minutes, on any day, in every corridor — the constraint is having somewhere compliant to hold and convert them.
Anytime Capital closes that loop and removes the sharpest edge in it: recurring recipients are saved as people, with a name, a photo, and their whitelisted wallets attached, so paying the same contractor next month does not mean pasting an address again. On-chain payments are unrecoverable when they go to the wrong place; the address book is not a convenience feature.
